Young people are living with their parents longer; those that aren't are suffering greater mortgage stress.
The trends are showing in the latest Household Income and Labour Dynamics in Australia (HILDA) national survey.
The University of Melbourne survey has been running since 2001 and follows the same group of people to assess how their lives are changing.
While housing costs continue to rise, wages have stagnated, leaving many contemplating a debt-filled future retirement.
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